that RAV4 is an incredible bargain... a 3-month old rav4 for 985K???

if you're not really going to be off-roading much, i'd get that rav4. it's practically brand new. it's roomier than a civic/altis (primarily because the seats are higher up) but is more fun to drive and has more utility. besides, that thing is worth at least 1.2M, who knows, you could trade it or re-sell it and go for a more recent 2000 Pajero 4x4 or 2000 Trooper 4x4, which are worth about 1.1M.

ok din yung pajero, you can use it off-road and during the flood season, but less rewarding to drive compared to the rav4. as for the trooper, 1997 is a bit too old, imo, the interior is likely worn. just make sure you're getting the 3.0TD engine (4jx-1) sa trooper.